Top 3 Mortgage Lenders in Oakley

As the primary local bank headquartered in Oakley, NexTier Bank offers exceptional personalized mortgage services with deep community roots. Their mortgage team provides local underwriting and decision-making, competitive rural housing loan programs, and specialized agricultural property financing. With over two decades serving western Kansas, they understand the unique needs of Oakley residents and offer USDA rural development loans perfectly suited for the area. Their high customer satisfaction stems from face-to-face service, quick turnaround times, and extensive knowledge of local property values.

Serving western Kansas for three decades, First Mortgage Company has extensive experience with Oakley and surrounding rural communities. As a regional mortgage specialist, they offer exceptional expertise in USDA rural housing loans and agricultural property financing. Their Hays location provides convenient access for Oakley residents while maintaining local market knowledge. They're known for competitive rates, transparent fee structures, and personalized service throughout the mortgage process. Their long-standing reputation and high customer satisfaction ratings make them a top choice for northwest Kansas home financing.

While headquartered in Wichita, Meritrust Credit Union serves members throughout Kansas including Oakley residents. They offer highly competitive mortgage rates to members, exceptional first-time homebuyer programs, and specialized rural property financing options. Their digital mortgage application process is complemented by personalized service from dedicated loan officers. With strong community banking principles and not-for-profit structure, they provide lower fees and more flexible underwriting than many traditional banks. Their extensive experience with Kansas properties and member-focused approach makes them a top regional choice for Oakley home financing.